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Licensed by the CBN · Deposits insured by NDIC

A bank that reads your notebook, not your credit score.

An account that earns while you trade, stock finance repaid as you sell, and a lending officer who comes to the shop.

Open a business accountApply for a loan
38,000+
businesses banking with us
₦14.2bn
lent to traders in 2025
48 hrs
to a lending decision
96%
of loans repaid on time

What you get

Six things, and you can see all of them working

Not a feature list. Each one below is the actual screen, drawn live from the same code the app runs on.

Business account

Stop running the business from your personal account.

A separate account in the business name that earns 10% a year on whatever is sitting in it.

10%a year on your trading balance

Business Account
Okafor Textiles · trading balance
₦4,820,000

+₦640,000 this month

₦2.1m
Restock
₦860k
Tax
₦1.9m
Free

POS and collections

Take card, transfer and cash, and see all three in one place.

A terminal that settles the same day, with every payment matched to the sale that made it.

Same daysettlement, including Saturdays

Get a terminal
Taken today₦412,800
Settled
Card · VervePOS · 14:22
₦24,000
Transfer · Adaeze U.Bank · 14:09
₦85,000
CashCounted · 13:55
₦12,500

Payroll

Pay everybody on the same day without twenty transfers.

Upload the list once, approve it once, and staff are paid — and they can draw an advance against it.

₦10per person, on a batch of 20 or more

Salary Advance
August payroll · 24 staff₦3,840,000
Pays 28 Aug
Ngozi OkaforSales · monthly
₦180,000
Musa BelloWarehouse · monthly
₦145,000
Chidi EzeDriver · monthly
₦120,000

Staff paid through us can draw up to half their salary before payday at 2.5% a month.

Business loans

Borrow against the trade, not against a credit score.

An officer visits the shop and reads the records you actually keep. A decision inside 48 hours.

48 hrsfrom the visit to a decision

Working Capital Loan
Facility
₦5,000,000
Available to draw
₦1,900,000
Restock — AriariaDrawn 12 Jul
₦2,100,000
RepaymentWeekly · every Friday
₦186,000

Multi-user controls

Let your manager pay the supplier, not empty the account.

Up to five people, each with their own login, their own limit and their own approval rules.

5people on one account

How access works
Who can do what
  • COChinedu OkaforOwnerNo limit
  • ANAmaka NwosuManagerUp to ₦500,000
  • TBTunde BakareCashierPay in only

Anything above a person’s limit waits for the owner to approve it.

Bulk payments

Pay two hundred suppliers from one file.

Upload a spreadsheet, check the total, approve once. Every failure is listed with the reason.

500beneficiaries in one batch

Business Account
suppliers-august.csv₦18,640,000
212 rows
Checked210 of 212
Ariaria Fabrics Ltd0221 · Zenith-₦1,400,000
Kano Agro Mills0118 · GTB-₦860,000

2 rows need attention — account number does not match the name given.

The products

Six ways to bank the business

Every rate stated. Nothing here has an introductory rate that drops after three months.

  • Business Account

    Keep the shop money out of your personal account.

    10%a year, on your trading balance

  • Business Savings

    Keep your trading money separate and earn on the balance.

    12%a year, and you can still reach it

  • Working Capital Loan

    Buy stock now and repay as you sell.

    From 4%a month, repaid daily or weekly

  • Asset Finance

    Get the machine, the freezer or the generator and pay over time.

    3.2%a month, over up to 36 months

  • Cooperative Lending

    Borrow as a registered group, with the group standing behind it.

    3%a month, the cheapest rate we lend at

  • Agent Banking

    Earn a commission serving your community as a Citadele agent.

    ₦180,000average monthly commission

Who this is for

From a stall in Ariaria to a company with twenty staff.

If you are trading, you are the customer. Registration is the only paperwork we insist on, and we will do that for you if you have not got it.

  • Market traders and shop owners

    A stall, a container or a shop, with records in a notebook. Registration is the only paperwork we need, and we will do that for you if you have not got it.

    • Business Account
    • Working Capital Loan
    • Business Savings

  • Workshops and small manufacturers

    Anybody whose earnings depend on a machine — grinding, printing, welding, tailoring, cold storage.

    • Asset Finance
    • Working Capital Loan
    • Business Account

  • Cooperatives and market associations

    Registered groups borrowing together at our lowest rate, because the group stands behind each member.

    • Cooperative Lending
    • Ajo
    • Business Savings

  • Registered SMEs with staff

    Companies with a CAC certificate, a payroll and more than one person who needs access to the account.

    • Payroll
    • Multi-user controls
    • Bulk payments

Applying

Two days from applying to trading

Most of it is us checking the CAC record. The part you do takes about ten minutes on a phone.

  1. 1

    Apply online

    Ten minutes. Save it and come back if you need to fetch a document.

  2. 2

    We check the registration

    Against the CAC register. Usually within a working day.

  3. 3

    Add the people who need access

    Up to five, each with their own login and limit.

No CAC certificate?

We will register the business for ₦18,000, including the CAC’s own fee.

What you need to open one

  • Your CAC certificate, or your business name registration.
  • The BVN and ID of every signatory.
  • A photo of the shop, stall or workspace.
  • Two months of trading records — a notebook photographed is accepted.

No minimum deposit, no monthly fee, and no charge for the shop visit if you go on to apply for a loan.

Open a business accountTalk to the business team

Licensed by the CBN · Deposits insured by NDIC

Open the account today. Borrow against the trade next week.

Every deposit is insured by the NDIC, and a lending officer will come to the shop rather than asking you to come to us.

Open a business accountWork out a loan